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Mobile Phone Insurance

From just £3.99

Mobile Phone Insurance

Mobile Phone Insurance

From just £3.99

5 Star Defaqto rated mobile phone insurance which includes loss, theft and damage cover as standard from the moment you sign up!

Rated 8.2 out of 10 on Trustpilot!

All makes and models covered, from Samsung and Google to Huawei and OnePlus, our mobile phone insurance policies cover all phones.

For many of us, it's hard to imagine life without a phone – and while no-one likes to think about it getting lost, damaged or stolen, it's good to know you'll be covered should the worst happen.

Your phone must be less than 6 months old at the time you sign up for insurance and you must be 18 years or over to purchase the policy. We do not cover phones purchased second hand or bought outside the UK. This policy gives you Immediate cover if your phone is less than 28 days old when you sign up.

Proof of usage (evidence from your network showing your phone has been in use since the policy was purchased and up to the event giving rise to the claim) and proof of purchase will be requested if you make a claim. 

Please note that any fraudulent claims will always be reported to the Police.

Full Cover

Loss, Theft & Damage covered

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View all policy details
  • Loss

    if you accidentally lose your phone we will replace it

  • Theft

    if your phone is stolen we will replace it

  • Accidental damage

    we will repair or replace your phone if it is damaged as a result of accidental damage, for example cracked screens

  • Malicious damage

    we will repair or replace your phone if it is damaged as a result of malicious damage

  • Liquid damage

    we will repair or replace your phone if it is accidentally water damaged, for example dropped phone in the toilet!

  • Mechanical breakdown

    we will repair or replace your phone if it stops working outside the manufacturer warranty

  • Accessory cover

    accessories up to the value of £150 are covered if they are lost, stolen or damaged at the same time as your phone

  • Overseas cover

    our insurance gives you world wide cover for up to 90 days a year.

  • e-Wallet protection

    if your phone is lost or stolen any unauthorized contactless mobile payments are covered up to £100

  • Up to £1000 of unauthorised calls, messages & downloads

    If your phone is lost or stolen any unauthorised calls are covered up to £1000

  • Phone covered for use by you & your immediate family

    your phone is also covered when used by members of your immediate family

  • 5 star rated policy

    Defaqto have awarded Insurance2go a 5 star expert rating

  • Immediate cover

    if your phone is less than 28 days old when you sign up

  • No contract & no admin fees

    you can cancel the policy at any time with no admin fees

  • No limit on claims

    some providers limit this to 1 or 2 claims a year

  • Genuine monthly policies

    some providers make you pay up to 12 months premiums if you claim

  • Online claims

    You can claim online 24/7, 365 days a year

  • Excess from only £25

    some providers charge much more than this

  • 14 day cooling off period

    cancel for any reason within 14 days for a full refund

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Terms and Conditions Insurance Product Information Document

Compare Our Mobile Phone Insurance Prices

Provider Monthly Premium Annual Premium Instant Cover
Insurance2go £7.99 £89.99 Yes
Mobile Phone Insurance Direct £8.98 £98.78 NO
Love It Cover It £8.99 £98.89 NO
Swipe Insurance £9.00 £108.00 Yes
CUSC Foneguard £9.45 £103.95 NO
Trusted Insurances £9.75 £102.50 Yes
Switched On Insurance £9.75 £102.50 Yes
Row £9.99 £113.89 NO
Back Me Up £9.99 £119.88 Yes
Protect Your Bubble £10.49 £125.88 Yes
Brolly £10.50 £126.00 Yes
Buy Mobile Phone Insurance £10.98 £131.76 Yes
So Sure £10.99 £131.88 Yes
Gadget Cover £11.50 £126.50 Yes
Debenhams Insurance £11.75 £122.50 Yes
EE £12.32 £147.84 Yes
O2 £12.50 £150.00 Yes
Vodafone £13.50 £162.00 Yes
Carphone Warehouse (Geek Squad) £13.99 £159.99 Yes
  • five stars
    Mobile Phone Insurance

    I used this company as it was recommended by I had no problems, I arranged comprehensive mobile phone insurance very quickly at a much cheaper rate than the mobile phone provider quoted.

    Susan B
    See more
  • five stars
    3 Phones Insured

    We have 3 phones insured and everything was straight forward and easy , had to phone up about a change of IMEI number for a warranty replacement phone and they were very helpful.

    Mrs Miller
    See more
  • five stars
    Insured Mine and My Son's Phone

    I was looking for cheaper phone insurance for my phones and wasn't disappointed, I got both mine and my son's phone insured for less than my phone contract company were asking for one! Minimum fuss, no complaints.

    Mark M
    See more
  • Q
  • What does mobile phone insurance cover? 

  • A
  • All our phone policies cover you for loss, theft, accessories (up to £150), overseas cover (up to 90 days/year), unauthorised mobile payments (up to £100), unauthorised calls/messages/downloads (up to £1000), and cover for you & your immediate family. For total peace of mind our full cover policy also insures you for accidental damage, malicious damage, liquid damage and mechanical breakdown. 

  • Q
  • How to choose phone insurance?

  • A
  • Whatever policy you choose make sure it has all the cover you need. Important questions you should be asking include does the policy give you instant cover? Is there a limit on the number of claims you make in a year? How much is the excess? Are you covered for unauthorised calls, messages or downloads? Is your mobile too old? Are you covered for theft, loss and accidental damage? How long has the insurance provider been in business? 

  • Q
  • Are you already covered?

  • A
  • It's a good idea to check if you are already covered for example under bank account add-ons or home insurance. If you are already covered it's worth checking how much cover you have as home insurance/ bank add-on polices aren't always as good as dedicated policies like ours. Home insurance policies often don't cover phones outside of the house, the excess can be high and a claim for a phone could have an impact on your no claims bonus.

Prices above are based on our full cover policy and comparable levels of cover including loss. Prices were checked on the relevant websites on the 4th April 2019. The phone checked was the Samsung Galaxy S9 64GB.